FDIC Cert #12204 · Philadelphia, Mississippi · Est. 1908

The Citizens Bank of Philadelphia, Mississippi - FDIC Bank Health Profile

A community-scale look at The Citizens Bank of Philadelphia, Mississippi's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.5B
Total assets
B
Health grade · Good
0.59%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens Bank of Philadelphia, Mississippi earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.12% Tier 1, 0.59% ROA, 76% efficiency ratio.

#745
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
12.12%
Tier 1 ratio - above the 10% well-capitalized line
19th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 12204 · MS B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2731/4307
  • PHOTO-FINISH Peoples Bank Co. · MO
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 4.5% Texas
  • ROA-THIN 0.59% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Peoples Bank Co., MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Citizens Bank of Philadelphia, Mi…

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank · MO · near73/100Little Horn State Bank · MT …73/100Peoples Bank Co. · MO · near73/100The Citizens Bank of… · MS ·…73/100The Security State B… · KS ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens Bank of Philadelphia, Mi… · July 2026

What The Citizens Bank of Philadelphia, Mi…'s Call Report plate shows

The Citizens Bank of Philadelphia, Mississippi (FDIC Cert #12204) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,731 of 4,307. Tier 1 capital prints at 12.12%, clearing the 10% well-capitalized line. The Texas Ratio is 4.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.59%. Balance-sheet scale is $1.5B, 745th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank Co. (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Citizens Bank of Philadelphia, Mi…

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

The Citizens Bank of Philadelphia, Mississippi's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Citizens Bank of Philadelphia, Mississippi remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How The Citizens Bank of Philadelphia, Mississippi's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
The Citizens Bank of Philadelphia, Mississippi's composite health score
Tier 1 Capital Ratio (12.12%) 35/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (4.50%) 20/20
Efficiency Ratio (75.85%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.5B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$833M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.72% 12.12% 13.52%
Basel III capital ratios - The Citizens Bank of Philadelphia, Mississippi

Where The Citizens Bank of Philadelphia, Mississippi ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens Bank of Philadelphia, Mississippi's score of 73/100 falls in the highlighted band.

The Citizens Bank of Philadelphia, Mississippi: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens Bank of Philadelphia, Mi… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Citizens Bank of Philadelphia, Mississippi's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens Bank of Philadelphia, Mississippi's $1.5B falls in the highlighted band.

Safety ratios for The Citizens Bank of Philadelphia, Mi…

Tier 1 capital ratio
Well-capitalized 10%

12.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.12%
Texas Ratio
4.50%
Equity Capital
$75M

What these ratios mean →

Profitability metrics: The Citizens Bank of Philadelphia, Mi…

Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
13.56%
Efficiency Ratio
75.85%

What these mean →

Income & expense at The Citizens Bank of Philadelphia, Mi…

$72M
Interest Income
$11M
Non-Interest Income
$42M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens Bank of Philadelphia, Mississippi reports a Texas Ratio of 4.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Citizens Bank of Philadelphia, Mississippi on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Mississippi so the neighborhood is not state containment.

American State Bank $1.5B · IA 1st Summit Bank $1.5B · PA Riverview Bank $1.5B · WA CorTrust Bank $1.5B · SD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens Bank of Philadelphia, Mississippi (FDIC Cert #12204) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Citizens Bank of Philadelphia, Mississippi Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%